Why does my benefit plan only pay towards the cheaper alternative treatment?

Dr. Sheila Dobee

Family, Cosmetic and Implant Dentist

Date : 08/05/2020

In order to save money, many dental plans allow a benefit only for the least expensive method of treatment. For example, your dentist may recommend a composite filling, but your insurance benefit only covers you up to the cost of the cheaper amalgam/silver filling. This does not mean that your have to accept the silver filling. The good news is that some amount will still be paid but more of the fee may be your responsibility. However, always keep in mind that your dentist’s primary responsibility is to recommend what is best for you. The insurance carrier’s primary responsibility is to manage their costs and control payments.